Agent Frequently Asked Questions
Agent Frequently Asked Questions
Contracting Questions
If you're an independent agent wishing to contract with NCD directly, reach out to Agent Support to get the application link.
If you're already working with an upline, you may need to reach out to them to get your unique contracting link. If they're not set up with us to bring on a downline, they can email Agent Support to make that happen.
In addition to the contracting link, you're going to need a few things:
- Your Individual NPN (even if you're applying as an agency!)
- Your current W-9
- E&O coverage documents
Then, simply send in the form! If Agent Support needs anything else from you, they'll reach out to you at the email you provided.
Welcome! Once your application has been sent in, our outstanding Agent Support team will complete your contracting audit. If they need anything from you, they'll email you directly.
As soon as your contracting audit has been completed, you should receive an email containing some key information, like your unique enrollment portal URLs and access to your back office.
We try our best to get contracting completed within 24 hours.
If we're missing something from you, or need to reach out, we'll contact you through the email or phone number you've provided to us.
Please contact Agent Support if you see this, or any other error, when trying to complete the enrollment application. We can check to see if you may already be in our system, or troubleshoot whatever issue is going on.
Email us at agentsupport@ncd.com
Call us at (844) 284-4944
Text us at (469) 425-8419
Click Here to start a live chat with Agent Support
Yes! One contract with us is all you need.
When we complete your contracting audit, we ensure that your licenses are up to date in our system. This means that as soon as you receive your welcome email, you are ready to go in all of the states in which you currently hold active licenses.
Email us at agentsupport@ncd.com
Call us at (844) 284-4944
Text us at (469) 425-8419
Click Here to start a live chat with Agent Support
Commissions Questions
For agents contracting directly with us, our street level commission rate is 21% for dental and 34% for vision.
For new business, commissions are paid weekly to agents.
For existing business, commissions are paid monthly to agents.
Agents continue to receive commissions for the lifetime of the policy.
Talk to us!
Email us at agentsupport@ncd.com
Call us at (844) 284-4944
Text us at (469) 425-8419
Click Here to start a live chat with Agent Support
General Plan Questions
It depends on what you and your clients are looking for!
Each of our dental plans offer different benefits and options. For advice on plan specifics, and support on how best to inform your clients, reach out to your Account Executive.
Don't know your Account Executive? Agent Support to the rescue! Give us a message, and we'll get you connected.
- Email us at agentsupport@ncd.com
- Call us at (844) 284-4944
- Text us at (469) 425-8419
- Click Here to Start a Live Chat with Agent Support
Association Plans provide individuals access to the benefits typically available to larger organizations. By coming together and leveraging their collective bargaining power, association members gain access to more affordable, comprehensive coverage.
Associations provide members additional, exclusive benefits and resources, including access to their dental and vision plans. Association benefits include health, wellness, personal, and business benefits.
NCD by Met Life
All NCD by MetLife plans are paired with a membership to the National Fitness and Wellness Association (NWFA). The NWFA monthly membership fee varies depending on the dental plan selected, and is included in the members' monthly billing.
The NWFA provides non-insurance benefits that help members and their families and pets stay strong, healthy, and active. Click here to learn more about the NWFA.
VSP Vision
All VSP Preferred Vision plans are paired with a membership to the NWFA as well.
Our NCD by MetLife dental plans give you access to dentists through the MetLife Preferred Dentist Program (PDP). Dentists participating in the PDP have agreed to limit their charge for a dental service to the Maximum Allowed Charge (MAC) for such service.
That means that if a certain dental procedure's MAC is set at $400, your in-network dentist has agreed to only charge that amount. If your plan's coinsurance is set to cover 80% of that dental procedure, then the plan will pay 80% of $400, which is $320.
If you choose a dentist who is not in the MetLife PDP network, we'll still pay benefits for covered services. However, the percentage your plan covers is based on the MAC amount, not the total your dentist charges.
If your out-of-network dentist charges you $800 for the same dental procedure as above, but the MAC for your plan is still at $400 and your coinsurance is 80%, your plan will pay 80% of the MAC, not the total charge.
This means your out-of-network costs could be higher, because anything above and beyond the MAC is not covered by your plan, and would be your responsibility. In this example, your plan would pay that 80% of the $400 MAC, which is $320, and the remaining $480 would be your responsibility.
The reason for this difference is that out-of-network dentists have not entered into an agreement with the PDP to limit their charges. You are always free to receive services from any dentist you choose, and you don't need authorization from us to use the dentist of your choice, but you can see how choosing an in-network dentist would likely save you money.
Yes! Visit this page for a detailed breakdown of all the benefits and discounts available at each level of membership to the National Wellness and Fitness Association.
No. The membership to the association is what allows members to gain access to the rewards and benefits, including the dental or vision plan itself.
Currently, none of our dental plans cover orthodontics. However, our NCD by MetLife plans do include a discount to Smile Direct Club, which uses clear aligners to adjust tooth alignment issues.
Many of our dental plans cover implants, but there are some specific guidelines about when and how those implants can be covered. For more clarity, reach out to your Account Executive, or to Agent Support.
Yes! The MetLife dental plans have a missing tooth clause. To get the specific details about what that means for your clients, reach out to your Account Executive, or to Agent Support.
We'd love to hear it! Please feel free to reach out to your Account Executive directly with your questions.
If you don't know your Account Executive, please send a message to Agent Support, and we can help you out.
Email us at agentsupport@ncd.com
Call us at (844) 284-4944
Text us at (469) 425-8419
Click Here to start a live chat with Agent Support
MetLife Plan Questions
NCD by MetLife plans are currently available in the following states:
- Alabama
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Nebraska
- Nevada
- New Jersey
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- Tennessee
- Texas
- Virginia
- West Virginia
- Wisconsin
- Wyoming
NCD by MetLife plans are NOT available in the following states:
- Alaska
- Maine
- Montana
- New Hampshire
- New Mexico
- South Dakota
- Utah
- Vermont
- Washington
Pricing for the NCD by MetLife plans varies by location.
For the 1500, 3000, and 5000 plans, there is:
- A $50 annual deductible for Basic and Major services (per person)
- A maximum $150 deductible per family
For Preventative and Basic care, coverage starts from day one on all NCD by MetLife dental plans.
You can view additional plan details here.
No, we do not accept proof of prior coverage waivers for the NCD by MetLife plans.
Yes, all NCD by MetLife plans include a membership to the National Fitness and Wellness Association.
Like many dental plans, NCD by MetLife has some specific guidelines around dental implants.
To learn more about dental implants, please reach out to Agent Support or to your Account Executive!
We'd love to hear it! Please feel free to reach out to your Account Executive directly with your questions.
If you don't know your Account Executive, please send a message to Agent Support, and we can help you out.
Email us at agentsupport@ncd.com
Call us at (844) 284-4944
Text us at (469) 425-8419
Click Here to start a live chat with Agent Support
VSP Plan Questions
NCD by MetLife plans are currently available in the following states:
- Alabama
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- West Virginia
- Wisconsin
- Wyoming
Our NCD Vision plan is available in the following states:
- New York
- Oregon
NCD by MetLife plans are NOT available in the following state:
- Washington
The VSP Preferred by NCD Vision Plan and the NCD vision by VSP Plans are very similar.
The primary difference between them is that NCD Vision by VSP is only available in Oregon.
The VSP Preferred by NCD Vision Plan offers a $20 exam, up to $220 allowance for featured frame brands, and an $150 allowance for contacts in lieu of lenses.
The NCD Vision by VSP Plan offers a $15 exam, up to $140 allowance for featured frame brands, and an $120 allowance for contacts in lieu of lenses.
Yes! Both enrollment portals (MetLife and Nationwide) allow you to sell a VSP vision plan individually.
$220 every 24 months for featured brands for the VSP Preferred Plan by NCD, and $140 every 24 months for featured brands for the NCD Vision by VSP, which is available in Oregon only.
Yes, all of our vision plans include a membership to the National Fitness and Wellness Association.
We'd love to hear it! Please feel free to reach out to your Account Executive directly with your questions.
If you don't know your Account Executive, please send a message to Agent Support, and we can help you out.
Email us at agentsupport@ncd.com
Call us at (844) 284-4944
Text us at (469) 425-8419
Click Here to start a live chat with Agent Support
Nationwide Plan Questions
There have been some recent changes around our Nationwide plans, and it's important that all of our agents have the most current information. To view our NW-specific FAQ, please click here.
As of February 1st, 2024, NCD plans underwritten by Nationwide are no longer accepting new enrollments. Because of this, we no longer have the sales materials available for Agent use.
However, if you do need any of the materials, or if you our your members have questions for us, we are still here, ready and willing to help you out.
If your members have questions about their Nationwide plan, encourage them to reach out to our Nationwide-specific Member Care Advisors, who will give them all the info they need.
Nationwide by NCD Member Care
(800) 979-8266
Nationwide.MemberCare@NCD.com
If you as an Agent have questions for us, we'd love to hear them! Please feel free to reach out to your Account Executive directly with your questions.
If you don't know your Account Executive, please send a message to Agent Support, and we can help you out.
Email us at agentsupport@ncd.com
Call us at (844) 284-4944
Text us at (469) 425-8419
Also, you can view our NW-specific FAQ by clicking here. That will provide more information about this change, what it means for you, and for your members.
Technical Help
You should have received a welcome email from agentsupport@ncd.com with your enrollment portal links, but if you didn't get it (or can't find it) that's okay! Please reach out to Agent Support ASAP so we can re-send that email.
Each time you use your personal enrollment link to begin a new member's enrollment process, it's important to start with the correct URL.
Your personal enrollment link should look like this:
https://enrollment.ncd.com/XXXXXX (where the XXXXXX is your unique Agent ID)
If there is anything after your Agent ID in the URL, that means you are using a cached version of the site, and it may contain a prior member's enrollment information. If you're seeing enrolment information already filled out when you're trying to enroll a new member, check that the URL you're starting with is correct.
We suggest that you open a new window or tab with your personal enrollment link in it and beginning the enrollment process with this fresh, correct link.
We also recommend that you double-check any bookmarks you may have of this link, and ensure that you have bookmarked the correct URL.
If you encounter any difficulties with this, please reach out to our Agent Support team for assistance.
No, we exclusively use online enrollment at this time.
Please contact Agent Support ASAP so we can help troubleshoot this issue for you.
If you don't know your Account Executive, please send a message to Agent Support, and we can help you out.
Email us at agentsupport@ncd.com
Call us at (844) 284-4944
Text us at (469) 425-8419
Click Here to start a live chat with Agent Support
Contact Us
Our dedicated, US-based Agent Support team is here for you, Monday through Friday, 8:00 AM to 5:30 PM CST, with lightning-fast help for:
- New contracting questions
- Commissions questions
- Technical support
- General inquiries
- License, E&O, W-9, and all other document updates
- Address and name changes
- Upline change requests
There are several easy ways to get in touch with us:
- Email us at agentsupport@ncd.com
- Call us at (844) 284-4944
- Text us at (469) 425-8419
- Click on the blue text bubble icon in the bottom right corner of any launchpad page to open a live chat with Agent Support during business hours.
Ken Hill
States: AL, AR, CO, FL, GA, IL, IN, IA, KS, LA, MI, MN, MS, MO, NE, NM, NC, ND, OK, SC, SD, TN, TX, WI
Schedule a call with Ken here: https://calendly.com/ken-ncd
214-427-5915
Sabrina Billinger
States: AK, AZ, CA, CT, DE, HI, ID, KY, ME, MD, MA, MT, NV, NH, NJ, NY, OH, OR, PA, RI, UT, VT, VA, WA, WV, WY
Schedule a call with Sabrina here: https://calendly.com/sabrina-ncd
214-227-9985
This information is intended for Agent use only. Do not distribute.
